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    DECS WE KILL DEBT

    3.0 (7 reviews)
    Closed 10:00 am - 5:00 pm

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    Ask the Community - DECS WE KILL DEBT

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    Top Flight Assistance

    Top Flight Assistance

    (92 reviews)

    I have read all the complaints from everyone and completely understand their frustrations, but what…read moremost people do not understand is this stuff takes time. I have dealt with a couple of credit repair companies and NO ONE can clean up your credit over night. No one can clean your credit, especially if its bad and in the 500's. It's going to take more than 9 months, that is the reality. If you are serious about cleaning your credit EVERYONE needs to know to be patient and trust the process. Believe me I have things to I want to buy too, houses, cars, boats etc. I gotta be patient, because there is a specific score I need to get to. I have done a lot of research on credit repair, again it is a process. Sure top flight can get your credit up 100 to 200 points, there is no doubt in my mind they can do it. Think about it though. what good is boosting your credit score 100, 200 points. If your current credit report is still showing you have a bad payment history. I found out the hard way. A previous credit repair company, boosted my credit from 530 to 700. All they did was add a tradeline without fixing my report. Guess what, even with my 700 score, I was not able to get a car loan. why? because my payment history sucked. I have been with Top Flight going on 6 months now. My credit report has gone up 100 point in Experian, 78 points in Equifax and 85 point in Transunion. and my credit score sucked still bad, but getting better each month. Top Flight IS and HAS been removing collection account, late payments, charge offs and anything else affecting my credit report. They are cleaning up my payment history first. Once my payment history is cleared up, then the smart thing is look into tradelines to help increase your credit score. Like I said before, what good is a good credit score if your payment history sucks. I am very happy with Top Flight, I trust their process, it has been proven to work, I see it first hand. The communication with me, has been exemplary. Very professional and knowledgeable. My advise to everyone trying to repair their credit. BE REALISTIC, Your credit was not ruined over night, so don't expect to have it repaired just as fast. Be PATIENT, trust the process. This stuff takes time. If you don't have the patience, good luck, you are just going to spend more money having someone else fix your credit and make you promises that are not realistic. Stick it out and wait. There is no such thing as fast money and there is no such thing as fixing your credit over night, your just going to get burned and lose a lot of money along the way. Thanks Top Flight for the EXCELLENT work thus far. I am very excited as we get into these last rounds of disputes. I appreciate all the hard work and effort on your part.

    To be honest, They stole from me and my 2 yr old. They phone number works if you call from a…read moredifferent unknown phone. if you are expecting some money back or your not forking out any money, they will block your number and make the phone busy. People should band together and get a lawyer and sue the company. everyone should get at least back $1500 a piece plus other compansations. Do not sue this nasty company individually- some one buy a billboard and post it all over Califirnia and other states and request a law group to not only shut their company down for good but to pay them for going after them we pay nothing. Oh! if TopFraud Assistance claim they don't know you or don't have a record with your name on there; this complaint is your receipt, your emails, your invoices etc... Don't let these fraudulent companies bully us out our hard earn money.

    OneMain Financial

    OneMain Financial

    (9 reviews)

    The customer service was great. They were quick and attentive. It was very easy to get into a loan…read moreonce you prove your income. Be aware however, the interest rate may be well over 30%. When I originally asked about the rate during the process, I was told that after making consistent payments I could go back and be evaluated for a lower interest rate; but I found out later that actually meant having to take out a completely NEW loan and going through the entire process again; so if you have any changes to your job or income, it may have a negative impact. They will not re-evaluate your original loan for a lower interest rate or refinance your existing loan; they want to create a new loan that pays off the original loan, but the interest rate (even with no missed payments) may only only be a few points lower (and still well above credit card range) so it probably will not be worth the trouble. The interest on my loan may end up being more than the actual loan principal and that's even without missing any monthly payments. They did explain later into the loan that making extra payments to the principal to lower the amount of interest charged can be done, but that means making payments every week or even a couple times a week ON TOP of the regular monthly payment, and it looks to only be about $20 difference. If you do get a loan from this lender, know what you're getting into and how expensive it will be. Ask lots of questions and check the small print. Here is a link to their explanation of the DAILY interest they charge on all loans: https://www.onemainfinancial.com/resources/loan-basics/how-daily-simple-interest-works They provide a friendly service that anyone may find themselves needing to use (quick, easy), but it is exxxpensive and unless your monthly total payments equal out to double/triple the set monthly payments (by making daily or weekly payments) you can't get out quickly or without that interest charge being more than half of your monthly payment. That's why your principal goes down so slowly.

    Came for a loan.. And in minutes they got me approved. The staff really friendly and helpful with…read moremakeing sure you understand the loan.. Great place if u need a car loan or personal loan come here.. You will not regret it... And once again onemain financial

    Winterbotham Parham Teeple, a, PC

    Winterbotham Parham Teeple, a, PC

    (5 reviews)

    This has been by far the worst decision i've made in finding someone to help me with my bankruptcy…read more The communication is terrible there rude when you call to get updates. they put you on hold for a long time listening to that stupid recording. then they come back saying who's this and how can i help you smh then they put u back on hold to listen to that stupid message again. The Paralegal assigned to my case Angela S. is the worst person ever unprofessional who don't communicate with you when you ask questions or get updates. They promised you the world in the beginning. but once they get u to sign up forget about it it's like you don't exist. And also they don't tell you that you have to do all the paperwork on your own in the beginning. When you ask for help they don't. they say sorry ur on your own. when i told them im not good with computers. I signed up with them in July 2025 and im still waiting for updates of to when they gonna submit my paperwork to the courts. If i where you guys i wouldn't waste your time here with them. Go elsewhere to file. I was suckered in with them telling ohh they could do this and that if you don't hire protection. it was all bullshit. They got me good Definitely terrible experience so far. i wouldn't recommend them for anything. I left voicemails and emails to this day and no response. But when i call i'm the bad one the monster. SMH Worst money i've spended

    Top notch lawyers who respond to questions fast and come prepared to court. Make the process simple…read moreto understand and easy to accomplish. 10/10 for Attorney Teeple,and her staff!!

    DECS WE KILL DEBT - debtrelief - Updated July 2026

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